| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFITS LLC3 | 843-E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | GHMSI | $42K | $21K | $64K | 1.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | — | $38K | $38K | 1.04% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS | 5280 CORPORATE DRIVE SUITE C250 FREDERICK, MD 21703 | GHMSI | $31K | — | $31K | 0.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.00% |
| LIFETIME BENEFITS LLC3 Filed as: LIFETIME BENEFITS, LLC | 843 QUINCE ORCHARD BOULEVARD SUITE E GAITHERSBURG, MD 20878 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.13% |
| TRIBRIDGE PARTNERS LLC3 Filed as: TRIBRIDGE PARTNERS, LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.85% |
| LIFETIME BENEFITS LLC3 | 843 E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $465 | $11K | 5.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 4.98% |
| LIFETIME BENEFITS LLC3 | 843 QUINCE ORCHARD BOULEVARD SUITE E GAITHERSBURG, MD 20878 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | UNION SECURITY INSURANCE COMPANY | — | $853 | $853 | 5.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 353 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 336 | $319K |
| Vision | GHMSI | 353 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $204K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $187K |
| Prescription drug | GHMSI | 353 | $3.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.